{"id":40964,"date":"2022-11-04T18:45:31","date_gmt":"2022-11-04T18:45:31","guid":{"rendered":"https:\/\/www.sisinternational.com\/?page_id=40964"},"modified":"2025-10-01T22:35:55","modified_gmt":"2025-10-02T02:35:55","slug":"technologie-de-reglementation-regtech","status":"publish","type":"page","link":"https:\/\/www.sisinternational.com\/fr\/competence\/technologie-de-reglementation-regtech\/","title":{"rendered":"RegTech \u2013 Technologie de r\u00e9glementation"},"content":{"rendered":"<h1 class=\"wp-block-heading\">RegTech \u2013 Technologie de r\u00e9glementation<\/h1>\n\n\n\n<figure class=\"gb-block-image gb-block-image-f453bbcc\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"574\" class=\"gb-image gb-image-f453bbcc\" src=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/08\/RegTech-5-1024x574.jpg\" srcset=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/08\/RegTech-5-1024x574.jpg 1024w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/08\/RegTech-5-300x168.jpg 300w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/08\/RegTech-5-768x430.jpg 768w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/08\/RegTech-5-18x10.jpg 18w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/08\/RegTech-5.jpg 1456w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" alt=\"\u00c9tudes de march\u00e9 et strat\u00e9gie internationales SIS\"><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<p>\u201cRegTech,\u201d dubbed \u201cthe new FinTech,\u201d has rapidly ascended from complete obscurity into prominence. RegTech is pretty much what it says on the tin (at the risk of sounding too simple). It is the use of new technology to enable the delivery of regulatory requirements. This wedding of <a href=\"https:\/\/www.sisinternational.com\/fr\/solutions\/recherche-de-conseil-en-strategie-fintech\/recherche-sur-les-technologies-de-regulation\/\" title=\"Regulation Technology Market Research\"  data-wpil-monitor-id=\"7719\">technology and regulation<\/a> is not new. But it is becoming more and more important as levels of regulation rise and attention to data and reporting increases.<\/p>\n\n\n\n<p>The increase in investment in RegTech is because of companies having to deal with growing levels of regulation that have come into force in 2012. These include Know Your Customer, <a href=\"https:\/\/www.sisinternational.com\/fr\/solutions\/recherche-de-conseil-en-strategie-fintech\/etude-de-marche-anti-blanchiment-dargent\/\" title=\"Anti Money Laundering Market Research\"  data-wpil-monitor-id=\"7709\">Anti Money Laundering<\/a>, Basel III, the second Markets in Financial Instruments Directive (MiFID II), and the second Payment Services Directive (PSD2).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Opportunit\u00e9s RegTech<\/h2>\n\n\n\n<p>Companies are boosting their RegTech applications and systems so they can do more. They are enhancing the current tools in ways that release substantial advances in data <a href=\"https:\/\/www.sisinternational.com\/fr\/solutions\/ai-etudes-de-marche-et-conseil-en-strategie\/automatisation-de-la-gestion-du-changement-conseil-en-intelligence-artificielle\/\" title=\"Automatisation de la gestion du changement et conseil en IA\"  data-wpil-monitor-id=\"7721\">management and automation<\/a>. These improvements are informing breakthrough enhancements across the complete range of asset managers\u2019 back-office functions \u2013 and more and more middle-office processes as well.<\/p>\n\n\n\n<p>Les experts conviennent que la RegTech jouera un r\u00f4le important dans la r\u00e9vision fondamentale du portefeuille de n\u00e9gociation (FRTB). Il aidera les entreprises \u00e0 trouver une mani\u00e8re plus intelligente de g\u00e9rer les d\u00e9fis de la r\u00e9glementation. RegTech affiche \u00e9galement l&#039;autorisation de conna\u00eetre vos rapports r\u00e9glementaires client (KYC) et de respecter le r\u00e8glement g\u00e9n\u00e9ral sur la protection des donn\u00e9es (RGPD).<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Les technologies actuelles les plus prometteuses en mati\u00e8re de gestion des risques et de RegTech entrent dans les grandes cat\u00e9gories suivantes\u00a0:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Data Analytics \u2013 examen d\u2019\u00e9normes sections de donn\u00e9es non structur\u00e9es et structur\u00e9es pour d\u00e9tecter des mod\u00e8les et fournir des informations commerciales<\/li>\n\n\n\n<li>Intelligence artificielle et \u00e9nonc\u00e9s cognitifs \u2013 la capacit\u00e9 de capturer et d\u2019appliquer les connaissances et l\u2019exp\u00e9rience humaines<\/li>\n\n\n\n<li>Machine Learning \u2013 extrapolation de r\u00e8gles m\u00e9tier \u00e0 partir de l\u2019examen minutieux d\u2019\u00e9normes ensembles de donn\u00e9es.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">D\u00e9fis RegTech<\/h2>\n\n\n\n<p>Budding RegTech companies face challenges such as disinclination by data providers to comply, and <a href=\"https:\/\/www.sisinternational.com\/fr\/solutions\/ai-etudes-de-marche-et-conseil-en-strategie\/conseil-en-intelligence-artificielle-et-veille-concurrentielle\/\" title=\"Intelligence artificielle Conseil en intelligence \u00e9conomique\"  data-wpil-monitor-id=\"7726\">competition from big consultancies<\/a>. The fast-paced growth of a number of RegTech companies and the fact that they are more cost-effective, agile, and can more easily adjust and push the innovation that is sweeping the sector makes it likely that they can meet these challenges.<\/p>\n\n\n\n<p>Substantial obstacles exist in adopting new <a href=\"https:\/\/www.sisinternational.com\/fr\/solutions\/solutions-edtech-de-technologie-educative\/\" title=\"Solutions technologiques pour l&#039;\u00e9ducation (EdTech)\"  data-wpil-monitor-id=\"7724\">solutions and technologies<\/a> because the confidentiality of data trumps regulatory reporting. Financial institutions must prioritize shielding the privacy of clients\u2019 data before adopting any compliance solution. The challenge lies in ensuring that regulations strike an appropriate balance between protecting privacy and security, and effective data use.<\/p>\n\n\n\n<p>La hi\u00e9rarchie des r\u00e9glementations pose un autre d\u00e9fi. Les r\u00e9glementations sont complexes, diverses et multidisciplinaires. Certaines r\u00e9glementations ne s&#039;appliquent qu&#039;aux besoins nationaux. Un autre d\u00e9fi r\u00e9side dans l\u2019absence de solution claire parmi les r\u00e9gulateurs sur les bonnes solutions et normes \u00e0 appliquer. C\u2019est un d\u00e9fi car cela tend \u00e0 cr\u00e9er de l\u2019incertitude.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Comment les \u00e9tudes de march\u00e9 peuvent aider<\/h2>\n\n\n\n<p>The RegTech market is massive. <a href=\"https:\/\/www.sisinternational.com\/fr\/competence\/les-industries\/etude-de-marche-industriel\/\" title=\"\u00c9tudes de march\u00e9 et strat\u00e9gie industrielle\"  data-wpil-monitor-id=\"7712\">Market research is important because finance industry<\/a> players want to get more value from technology with fewer dollars spent. <a href=\"https:\/\/www.sisinternational.com\/fr\/competence\/cv-dexperience\/cv-dexperience-dans-lindustrie-automobile\/\" title=\"Soci\u00e9t\u00e9 d\u2019\u00e9tudes de march\u00e9 pour l\u2019industrie automobile\"  data-wpil-monitor-id=\"7716\">Market researchers can scout the industry<\/a> for new technologies that can be applied to banks and other financial institutions\u2019 regulatory infrastructures. They can see which RegTech solutions offer the best means for overburdened firms to provide regulators with the data they require in a way that is faster, better, safer, and cheaper for all.<\/p>\n\n\n\n<p>RegTech a le potentiel de fournir des informations quasiment en temps r\u00e9el gr\u00e2ce \u00e0 des filtres d\u2019intelligence artificielle et \u00e0 l\u2019apprentissage en profondeur. Il surveille la capacit\u00e9 et d\u00e9tecte les probl\u00e8mes \u00e0 l&#039;avance, plut\u00f4t que d&#039;obliger le client \u00e0 prendre des mesures coercitives apr\u00e8s coup. Le potentiel du march\u00e9 RegTech est consid\u00e9rable, mais il n\u2019en est qu\u2019\u00e0 ses d\u00e9buts et peu d\u2019\u00e9tudes de cas document\u00e9es existent pour montrer son retour sur investissement.<\/p>\n\n\n\n<p>RegTech will continue to build on the gains it has made so far. This growth will come from new tools being built to serve the specific requirements of regulated companies both within and outside the financial services industry. It\u2019s safe to say the insurance sector will get special attention. There will be more partnerships between current financial institutions and next-generation technology providers, supporting an environment of greater innovation, which will lead to even more growth within the <a href=\"https:\/\/www.sisinternational.com\/fr\/competence\/les-industries\/etude-de-marche-automobile\/lavenir-des-vehicules-electriques-aux-etats-unis\/\" title=\"The Future of Electric Vehicles in the USA &#8211; The Next 5 Years\"  data-wpil-monitor-id=\"7728\">next few years<\/a>.<\/p>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>RegTech est l&#039;utilisation de nouvelles technologies pour permettre de r\u00e9pondre aux exigences r\u00e9glementaires. Ce mariage de technologie devient de plus en plus important \u00e0 mesure que les niveaux de r\u00e9glementation augmentent et que l\u2019attention port\u00e9e aux donn\u00e9es et aux rapports augmente.<\/p>","protected":false},"author":1,"featured_media":64865,"parent":14514,"menu_order":146,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-40964","page","type-page","status-publish","has-post-thumbnail"],"_links":{"self":[{"href":"https:\/\/www.sisinternational.com\/fr\/wp-json\/wp\/v2\/pages\/40964","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sisinternational.com\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.sisinternational.com\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/fr\/wp-json\/wp\/v2\/comments?post=40964"}],"version-history":[{"count":5,"href":"https:\/\/www.sisinternational.com\/fr\/wp-json\/wp\/v2\/pages\/40964\/revisions"}],"predecessor-version":[{"id":81301,"href":"https:\/\/www.sisinternational.com\/fr\/wp-json\/wp\/v2\/pages\/40964\/revisions\/81301"}],"up":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/fr\/wp-json\/wp\/v2\/pages\/14514"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/fr\/wp-json\/wp\/v2\/media\/64865"}],"wp:attachment":[{"href":"https:\/\/www.sisinternational.com\/fr\/wp-json\/wp\/v2\/media?parent=40964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}